N26 Logo

  • Standard

    A graphic close-up of the front of a silver N26 Debit Mastercard.
    Bank for free

    Smart

    A graphic close-up of the front of a pink N26 Mastercard.
    Bank with more control

    Go

    A graphic close-up of the front of a teal N26 Mastercard.
    Bank at home or on the go

    Metal

    A graphic close-up of the front of a black N26 Metal Mastercard.
    Make a statement
    Compare personal plans

    Business Standard

    A graphic close-up of the front of a silver N26 Business Standard card.
    Freelancers bank for free

    Business Smart

    A graphic close-up of the front of a pink N26 Business card.
    Manage your business with more control

    Business Go

    A graphic close-up of the front of a teal N26 Business card.
    Manage your business on the go

    Business Metal

    A graphic close-up of the front of a black N26 Business Metal card.
    Premium banking with cashback for your business
    Compare business plans
  • Highlights
    CRST-18128_PulseSoft_Banking_Nav-highlight_140x140.
    Banking featuresYour money made simple
    CRST-14299 Cards for Kids Nav-highlight-140x140 V1.
    For under 18sCards for teens and children, with parents looped in
    Features
    Joint accountMastercardDigital walletsAdding money
  • Highlights
    A man smiles while leaning over a box to unpack vinyl records in a bright room.
    Instant SavingsEarn interest flexibly
    Features
    Spaces Guide to interest rates
  • Highlights
    A hand holds a smartphone displaying the N26 investment screen listing popular stocks.
    All investment optionsYour portfolio, your way
    A woman wearing a baseball cap smiles while holding up her smartphone outdoors.
    Stocks and ETFsTrade from €1
    A man wearing a white sweatshirt and a black cap is sitting outdoors in a sunny field.
    CryptoBuy and sell 300+ coins
    A man wearing a white sweatshirt and a black cap is sitting outdoors in a sunny field.
    Ready-made fundsFunds managed by pros
     
    CRST-25202_MMF_Expansion_LP_Thumbnail_140x140.
    Flexible Cash FundMake your money work harder
    Features
    Savings plansAnalyzing stocksGuide to ETFsGuide to stocksInvesting for beginners
  • Highlights
    A hand holds a smartphone on a beach, displaying a digital pink N26 Mastercard on the screen.
    Travel benefits Borderless banking
    A smiling man sits on the floor next to a backpack and looks at his smartphone.
    Travel Insurance Coverage for the unexpected
    A woman with a backpack holds a smartphone while standing on a mountain trail overlooking a city and a peak.
    Travel eSIMData in 100+ countries
    Features
    Exchanging currencyForeign transaction feesUsing your card abroad
Log in
Log in
Open bank account
N26

Company

  • About us

  • Leadership Team

  • Careers

  • Press

  • Affiliate program

  • Suppliers

Help

  • Customer Support

  • Sitemap

  • Financial crime policies

LEARN

  • Blog

  • Banking basics

  • Trading glossary

  • Crypto glossary

  • Studies and research

MONEY TOOLS

  • Financial calculators

  • Budget calculator

  • 50-30-20 calculator

  • Interest calculator

  • Inflation calculator

  • Moving cost calculator

  • Festive budget calculator

More

  • Student bank account

  • Salary account

  • Security

  • Refer a friend

  • Expats

  • International money transfers

© N26 SE 2026
Legal DocumentsPrivacy PolicyCookie PolicyImprintUpdate cookie settings
CRST-18128_PulseSoft_Banking_LP1-Mobile-834x1194.

Bank for free with no hidden fees

Open your account with no paperwork. Get a free virtual card and monthly ATM withdrawals*.
Open bank account

Money made simple

Organize your money in 10 Spaces sub-accounts and add a dedicated IBAN or virtual card to pay directly from a Space. Included with our premium plans.
Explore plans
CRST-18128_PulseSoft_Banking_LP2-Mobile-754x533.

Bank better together

Get a free joint account with a dedicated IBAN and spending insights to simplify your shared finances.
Open a joint account

Security you can trust

As a fully-licensed German bank** built on the latest technology, we use advanced security measures to keep your money safe.
Learn about security

Get 24/7 support

Message our chatbot 24/7, or talk with Customer Support daily from 07:00–23:00 in English, German, French, Italian, or Spanish.
Customer Support
CRST-18128_PulseSoft_Banking_CTA-Mobile-754x533.

Switch banks in minutes

Open your N26 account and move your recurring payments in just a few taps.
Open bank account

*No account management fee for N26 Standard Account. For all other account plans, fees apply. See List of Prices and Services for current fees.

**The money in your N26 bank accounts — including N26 Instant Savings — is protected up to €100,000 by the German Deposit Guarantee Scheme.

FAQ

  • Opening an N26 account is fast, digital, and hassle-free. All plans include zero hidden fees, real-time spending alerts, easy budgeting tools, and free ATM withdrawals in the Eurozone. Top-tier security keeps your money safe, and you can manage your banking, savings, and investments right from your phone.
  • N26 has been granted a full German banking license from BaFin. By law, each customer’s funds are protected up to €100,000 by the German Deposit Protection Scheme. With 3D Secure, Mastercard Identity Check, and fingerprint and face recognition, the security of our customer's online payments is always guaranteed.
  • You can open an account online in minutes from your phone or the N26 web app — no paperwork or waiting times. This means you can start spending with your virtual card as soon as your account is set up, and you don't have to wait for your physical card to arrive.
  • N26 Standard has no monthly fees and no fees for everyday transactions. Depending on your plan, you’ll get anywhere from 2 to 8 free monthly ATM withdrawals. Some plans have monthly costs and come with additional travel and insurance benefits.
  • Yes! All N26 cards let you withdraw money at foreign ATMs. It's free with N26 Go and Metal, N26 Smart and Standard users only have to pay 1.7% conversion fee.